Family Health Insurance
Want A Single Policy That Covers Your Child’s Education And Your Parents’ Medical Expenses Too? We Have It For You. Protect Your Whole Family With Wellsurance Family Policy And Stay Relaxed. This Single Family Health Insurance Policy Takes Care of Everyone’s Happiness.
At Tata AIG General Insurance Company Limited, we don’t just insure, we give you a reason to keep smiling.
Features that make Wellsurance Family Policy the #RightFamilyInsurance
While staying covered under Wellsurance Family Policy, a health insurance policy for family, you can stay assured that your family’s health and well-being is in good hands. Here’s why:
Intensive care unit benefit: We will pay a daily benefit for each day you are an inpatient admitted in the intensive care unit in a hospital due to injury/sickness subject to any applicable deductible shown in the family health insurance policy schedule and commences under the circumstances described in a hazard and while this policy is in effect, subject to the maximum shown in the policy schedule.
Ease of hospitalisation: When a family member is admitted to the hospital for a illness or injury, we will provide them with a daily cash allowance for up to 90 days.
Ambulance Charges: Under this family health plan, we will pay upto the specified amount towards the medical transportation fees and services incurred for bringing the insured to the hospital following an accident and returning to the normal place of residence after being discharged from the hospital.
Value added service: We also offer additional services with this family health plan, like free health line, health portal, health query, discounted services for the health and wellness and e-news letter will be provided to the insured where he will get access to various health articles and will be able to raise queries and get them answered by experts.
Benefits of making your family health insurance policy stronger
Critical Illness Benefits: Lumpsum payment shall be provided if the insured person is diagnosed as suffering from the specified critical illness for the first time during family health insurance policy period. Signs and symptoms of the critical illness should be after 90 days from the policy inception date and insured has to survive the critical illness by 30 days or more from the date of diagnosis. Only one lumpsum payment shall be provided during insured’s policy period regardless of the number of critical illness, incapacities or treatments suffered by him/her. This benefit under family health plan will be terminated after the lumpsum payment. The rest of critical illness benefit will be available in the renewal policy.
In-Hospital Benefit for Accident: We will pay a daily benefit for each day you are an inpatient in a hospital within the Republic of India due to Injury or accidents subject to the deductible shown in the family health insurance policy schedule. The period of confinement must be medically necessary and recommended by a physician. The total benefits provided for any one period of confinement are subject to the in-hospital maximum shown in the policy schedule. During one period of confinement requiring ICU and regular hospitalization, we shall pay against ICU or daily hospital cash as may be applicable subject to deductible.
In-Hospital Benefit for Sickness: We will pay a daily benefit for each day you are an inpatient in a hospital within the Republic of India due to illness, or disease or sickness subject to the deductible shown in your family health insurance policy's schedule and a waiting period of 90 days. The period of confinement must be medically necessary and recommended by a physician. The total benefits provided for any one period of confinement are subject to the in-hospital maximum shown in the policy schedule. During one period of confinement requiring ICU and regular hospitalization, we shall pay against ICU or daily hospital cash as may be applicable subject to deductible mentioned in your family health plan.
Convalescence Benefits: Pays lumpsum as the sum insured shown in the policy schedule of family health insurance cover, for the recovery at home, immediately following hospital discharge as an inpatient for a minimum hospitalisation of 5 consecutive nights.
Education Benefit: We will pay the sum insured as shown in the policy schedule if the principal insured suffers accidental death or permanent total disability during the circumstances described in a hazard mentioned in your family health insurance.
Situations where your policy won’t work
Any pre-existing condition will have a waiting period of 4 years from the date of policy inception and would be covered after period of 4 consecutive policy years provided your family health insurance policy is maintained with us without any break
Any critical illness signs/symptoms of which first occurred prior to or within the waiting period (90 days) of issuing the family health plan
AIDS, HIV infection or sexually transmitted conditions, congenital anomalies or complications, pregnancy or child birth related treatments
Any ayurvedic, homeopath or naturopath treatments, weight control programs
Medical expenses as a result of alcohol and/or drug abuse, addiction or overdose as well as intentional self injury
War, civil war, invasion, hostilities, nuclear weapon induced hospitalization, professional sports, hazardous activities
Elective, cosmetic or plastic surgery, except as a result of an Injury caused by a covered Accident while the policy is in force;
Any mental, nervous disorders, anxiety, stress or depression.
*Please note this is only a summary of the product features and exclusions. For more details on benefits, exclusions, limitations, terms & conditions of this family health insurance plan, please refer sales brochure/ policy wordings carefully.